Digital insurance card system, digital insurance card device, and program

Abstract

To provide a digital insurance card system, a digital insurance card device, and a program capable of allowing a contractor or the like to grasp by real time the number of times of using insurance.SOLUTION: In a digital insurance card system including a server 1 which stores insurance contract information and a user terminal 2 which is connective to the server 1 via a network, there is provided an insurance usage information processing unit 22 which calculates the number of times of using insurance in a duration of the insurance on the basis of the insurance usage information input to the server 1 or the user terminal 2 by the user. The information on the number of times of using insurance that is calculated by the insurance usage information processing unit 22 is displayed on a display unit 23 of the user terminal 2.SELECTED DRAWING: Figure 2

Description

[Technical field]

[0001] The present invention relates to a digital insurance card system, a digital insurance card device, and a program, and more particularly to a system, device, and program for insurance with a limited number of uses, such as pet insurance. [Background technology]

[0002] Pets such as dogs, cats, and rabbits are treated with care as family members, and their average lifespan has increased significantly compared to the past due to improvements in the environment in which they are kept. On the other hand, pets are increasingly being examined and treated at veterinary clinics, and owners must cover the full cost of these services, so more and more people are signing up for pet insurance, which covers a portion of the medical expenses.

[0003] In recent years, various types of insurance have been digitized, and it has become possible to check the contents and period of insurance you have signed up for on the Internet. For example, Patent Document 1 proposes a pet insurance system that displays the contents of the insurance you have signed up for and the medical history of your pet on the terminals of the insured or at the veterinary clinic upon request.

[0004] Furthermore, Patent Document 2 proposes a pet care support system that includes an insurance information storage unit that stores the details of the insurance that has been subscribed to, a pet care log information storage unit that stores pet care records entered by the owner, and a medical record information storage unit that stores records of medical visits and medical record information. [Prior art documents] [Patent documents]

[0005] [Patent Document 1] JP 2016-519360 A [Patent Document 2] JP 2017-224188 A Summary of the Invention [Problem to be solved by the invention]

[0006] Pet insurance may specify the number of times the insurance can be used per year, but if the policyholder or the insured (if the "policyholder" and the "owner" who actually pays for the pet's medical expenses are different, it is the "owner" who has the right to claim the insurance money) does not know the number of claims, errors may occur when settling at the veterinary clinic, or inquiries may be required to the insurance company when making a claim. However, while some conventional digital insurance cards such as those described in Patent Documents 1 and 2 have functions for checking medical history and payment status, there is a time lag between the claim and payment of insurance premiums, so it is not possible to check the insurance usage status in real time.

[0007] Therefore, an object of the present invention is to provide a digital insurance card system, a digital insurance card device, and a program that enable a policyholder or the like to know the number of times that the policyholder has used insurance in real time. [Means for solving the problem]

[0008] The digital insurance card system of the present invention comprises a server in which insurance contract information is stored and a user terminal connectable to the server via a network, and the server or the user terminal is provided with an insurance usage information processing unit that calculates the number of times insurance is used within the insurance period based on insurance usage information entered by the user, and the information on the number of times insurance is used calculated by the insurance usage information processing unit is displayed on the display unit of the user terminal. The insurance usage information may be, for example, the name of the item to be compensated and the date of insurance usage, and the number of times the insurance has been used may be displayed separately for each item to be compensated. The insurance usage information processing unit can also display an error on the user terminal if the insurance usage information input by the user is inappropriate. In this case, the insurance usage information processing unit may compare the insurance contract information of the user obtained from the server and determine that the insurance usage information is inappropriate if a date during which the insurance cannot be used is entered, if a date that has already been registered is entered, or if insurance usage information is entered that exceeds the number of times it can be used. The digital health insurance card system of the present invention can also display the insurance payment status on the display unit of the user terminal in addition to the number of times the insurance has been used. In addition, the digital insurance card system of the present invention can automatically update the insurance usage information entered by the user to correct insurance usage information based on the latest insurance contract information stored in the server, or can request the user to re-enter the insurance usage information. Furthermore, when the insurance usage information processing unit is provided in the user terminal, the server may be provided with a usage information memory unit that stores the insurance usage information input to the insurance usage information processing unit and the number of times insurance is used calculated by the insurance usage information processing unit.

[0009] The digital insurance card device of the present invention has an insurance information input unit for a user to input insurance contract information and insurance usage information, an insurance information memory unit for storing the insurance contract information, an insurance usage information processing unit for calculating the number of times insurance is used based on the insurance contract information stored in the insurance information storage unit and the insurance usage information input in the insurance information input unit, and a display unit for displaying the number of times insurance is used calculated by the insurance usage information processing unit. The digital insurance card device of the present invention may input insurance payment information from the insurance information input unit, in which case the display unit can display the insurance payment status together with the number of times the insurance has been used. The insurance usage information processing unit may display an error on the display unit when the insurance usage information input by the user is inappropriate.

[0010] Another digital health insurance card system according to the present invention includes the digital health insurance card device described above. This digital insurance card system may further have a server storing the latest insurance contract information, and the digital insurance card device may connect to the server periodically or as needed to update the insurance contract information stored in the insurance information storage unit.

[0011] The program of the present invention causes a computer to execute an insurance usage information processing function that calculates the number of times insurance is used within an insurance period based on insurance contract information obtained from a server connected via a network or input by a user, and insurance usage information input by the user.

[0012] In addition, the "user" in this invention refers to an insurance policyholder, etc., and includes not only the policyholder who has entered into a contract with the insurance company, but also the insured person who is the subject of insurance compensation and the beneficiary who has the right to receive the insurance money, and the same applies in the following explanation. Effect of the Invention

[0013] According to the present invention, a policyholder or the like can register the number of times the insurance has been used, and therefore can check the number of times the insurance has been used in real time. [Brief description of the drawings]

[0014] [Figure 1] FIG. 1 is a conceptual diagram showing the configuration of a digital health insurance card system according to a first embodiment of the present invention. [Diagram 2] FIG. 2 is a diagram illustrating a specific configuration aspect and an operation example of the digital health insurance card system shown in FIG. 1. [Diagram 3] 11A to 11C are diagrams showing examples of displays on a terminal. [Figure 4] 13A and 13B are diagrams showing other display examples of the initial screen for each contract content. [Diagram 5] 11A to 11C are diagrams showing examples of error displays. [Figure 6] FIG. 13 is a diagram showing an example of a display reflecting insurance payment information. [Figure 7] FIG. 13 is a diagram showing an example of the display when changing to information about another pet when multiple pets are kept. [Figure 8] FIG. 13 is a diagram showing a display example when viewing past contract details. [Figure 9] FIG. 1 is a diagram illustrating a specific configuration aspect and an operation example of a digital health insurance card system according to a modified example of the first embodiment of the present invention. [Figure 10]FIG. 11 is a diagram illustrating a specific configuration aspect and an operation example of the digital health insurance card system according to the second embodiment of the present invention. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS

[0015] DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Hereinafter, preferred embodiments of the present invention will be described in detail with reference to the accompanying drawings. Note that the present invention is not limited to the following preferred embodiments.

[0016] (First embodiment) First, a digital insurance card system according to a first embodiment of the present invention will be described using pet insurance as an example. Fig. 1 is a conceptual diagram showing the configuration of the digital insurance card system of this embodiment, and Fig. 2 is a diagram showing a specific configuration aspect and an operation example. As shown in Fig. 1, the digital insurance card system of this embodiment comprises a server 1 and terminals 2a to 2d used by users, which are connected via the Internet 3.

[0017] [Server 1] As shown in FIG. 2, the server 1 is provided with, for example, a contract information storage unit 11, which stores information on the insurance contract (hereinafter referred to as "insurance contract information") for each policyholder (owner) or each insured individual (pet). The "insurance contract information" here includes information on the policyholder, information on the insured individual (pet) such as the name, age, date of birth, and sex, the policy number, the insurance period, the coverage items, the limit amount, the limit number of days (number of times), and the deductible amount, as well as processing information at the insurance company such as the claim status and payment status. The server 1 outputs information on the insured individual (pet) such as the name, policy number, insurance period, the number of possible hospital visits, the number of possible hospitalizations, and the number of possible surgeries from the insurance contract information stored in the contract information storage unit 11 in response to a request from the terminal 2 (2a to 2d).

[0018] The server 1 may further include a usage information storage unit 12 that stores insurance usage information output from the terminals 2 (2a to 2d). Examples of insurance usage information stored in the usage information storage unit 12 include dates and number of visits to hospitals, hospitalizations, and surgeries. The insurance usage information stored in the usage information storage unit 12 is used for updating insurance contract information stored in the contract information storage unit 11 as necessary.

[0019] [Terminal 2, 2a~2d] As shown in FIG. 2, terminal 2 (2a to 2d) is provided with an insurance usage information input unit 21 for inputting the date and number of times insurance was used for outpatient visits, hospitalizations, surgeries, etc. that are covered by the insurance, an insurance usage information processing unit 22 for counting the number of times insurance was used based on the input information, and a display unit 23 for displaying contract information and insurance usage status.

[0020] The terminals 2 (2a to 2d) may be any terminals that can connect to the Internet, and may be, for example, smartphones, tablets, personal computers, etc. In this case, the insurance usage information input unit 21 may be a touch panel of the smartphone 2a or tablet 2b, or a keyboard of the personal computers 2c and 2d, and the display unit 23 may be a display panel of the smartphone 2a or tablet 2b, or a monitor of the personal computers 2c and 2d.

[0021] The processing results (insurance usage information) of the insurance usage information processing unit 22 may be stored in the terminal 2 (2a to 2d), or may be transmitted to the server 1 and stored in the usage information memory unit 12, or reflected in the insurance contract information in the contract information memory unit 11.

[0022] [Operation] Next, the operation of the digital insurance card system of this embodiment, that is, a method for a user (policyholder, pet owner, etc.) to know the number of times insurance is used using the digital insurance card system shown in Figs. 1 and 2, will be described. In the digital insurance card system of this embodiment, a digital insurance card program is installed in the terminal 2 (2a to 2d) in advance. When insurance use information is input, the digital insurance card program is operated to display the insurance contract information.

[0023] 3A to 3C are diagrams showing examples of display on terminal 2, where Fig. 3A is the display screen in the initial state when insurance is unused, Fig. 3B is the screen for inputting the insurance use date, and Fig. 3C is the display screen when insurance has been used multiple times. When the digital insurance card program is run, terminal 2 requests insurance contract information from server 1. As a result, insurance contract information for the policyholder (owner) or insured individual (pet) is output from contract information storage unit 11 of server 1 and displayed on display unit 23 of terminal 2.

[0024] Specifically, as shown in FIG. 3A, in addition to the name of the insured individual (pet), the policy number, and the insurance period, the number of times the insurance has been used for each coverage item such as outpatient visits, hospitalization, and surgery is displayed. The initial display screen for when the insurance is unused may be the same regardless of the contract contents, but the items displayed may be changed depending on the contract contents. FIGS. 4A and 4B are diagrams showing display examples for each contract content. For example, in the case of insurance that covers outpatient visits, hospitalization, and surgery, the items "outpatient visits," "hospitalization," and "surgery" are displayed as shown in FIG. 4A, but in the case of insurance that does not cover outpatient visits and only covers hospitalization and surgery, only the items "hospitalization" and "surgery" can be displayed as shown in FIG. 4B.

[0025] To input insurance usage information, the user (policyholder / pet owner) first selects on the screen, for example, the smallest number (in the case of Fig. 3A, "1") among the items for which insurance was used (such as outpatient visits, hospitalization, and surgery) that is not colored. Then, the insurance usage date input screen shown in Fig. 3B is displayed on the display unit 23, and the user (policyholder / pet owner) inputs, for example, the date of medical examination or treatment.

[0026] The information on "insurance use items" and "insurance use dates" input by these operations is processed by the insurance use information processing unit 22. Specifically, the number of times each item is input is counted, and the result is displayed on the display unit 23. The method of displaying the number of uses is not particularly limited, but for example, as shown in FIG. 3C, the number of colored round badges with numbers written on them can increase in conjunction with the number of times insurance use dates are added for each item such as hospital visits, hospitalizations, and surgeries. This allows the user (policyholder / owner) to easily grasp the current number of times insurance has been used for each item such as hospital visits, hospitalizations, and surgeries.

[0027] In addition to the "insurance use item" and "insurance use date" as insurance use information, the "name of the veterinary clinic" where the examination or treatment was performed may also be entered. Depending on the nature and condition of the illness or injury, the patient may be hospitalized and undergo surgery at a hospital other than the one they usually visit (their family doctor), or may be treated at a highly specialized hospital or a hospital capable of advanced medical care. In such cases, it may be desirable to know which hospital used which item and when, so by allowing the entry of the "veterinary clinic name", the user (contract holder / pet owner) can easily know which veterinary clinic the insurance was used at.

[0028] In the digital health insurance card system of this embodiment, if the insurance usage information entered by the user (policyholder / owner) is inappropriate, an error may be displayed on the display unit 23 of the terminal 2. Specifically, the insurance usage information processing unit 22 compares the insurance usage information with the insurance contract information acquired from the server 1, and determines that the information is inappropriate if, for example, the insurance cannot be used because it is outside the insurance period, if a date that has already been registered is entered (attempting to register twice), or if an attempt is made to register more than the prescribed number of times, and displays an error on the display unit 23.

[0029] Figures 5A to 5C are diagrams showing examples of error displays. For example, as shown in Figures 5A to 5C, if you select / enter a date outside the insurance period, the message "Outside the insurance period" is displayed, if you enter a date that has already been registered (attempting to register a duplicate), the message "Already registered" is displayed, and if you attempt to register more than the specified number of times, the message "Number of uses exceeded."

[0030] In addition, the digital insurance card system of this embodiment can also display insurance payment information together with the number of times the insurance has been used. FIG. 6 is a diagram showing a display example that reflects insurance payment information. For example, if a user (policyholder / pet owner) has filed insurance claims for "visits to the hospital" 19 times and insurance has already been paid for 16 of those visits, 19 colored round badge designs may be displayed in the "visits to the hospital" field as shown in FIG. 6, and star designs may be displayed over the 1st to 16th colored round badges. This allows the user (policyholder / pet owner) to grasp the insurance payment status at a glance.

[0031] Furthermore, in addition to displaying the insurance payment information described above, the digital health insurance card system of this embodiment can also be equipped with a function to display an alert if the insurance payment information is not reflected a certain period of time after the insurance usage information is entered. This makes it possible to know the correct number of times insurance has been used, even if the user (policyholder / owner) mistakenly enters insurance usage information assuming that insurance coverage applies to medical treatment that is not actually covered, or enters an incorrect date on the insurance usage date.

[0032] The digital health insurance card system of this embodiment may be added with a function to automatically update the insurance usage information entered by the user (policyholder / pet owner) to correct insurance usage information based on the latest insurance contract information stored in the contract information storage unit 11 of the server 1, or to request the user (policyholder / pet owner) to re-enter the insurance usage information. This enables the user (policyholder / pet owner) to ascertain the correct current number of times insurance has been used for each item such as hospital visits, hospitalizations, and surgeries.

[0033] For example, if the contract information storage unit 11 has a record that "the third visit was made on July 26, 2023, the payment was settled at the counter, and an insurance claim was made," but the user (contractor / pet owner) does not enter "July 26, 2023, visit to the hospital," but instead enters "July 27, 2023, surgery," it is determined that the user (contractor / pet owner) has entered the "insurance use item" and "insurance use date" incorrectly. Then, the insurance use information stored in the usage information storage unit 12 of the server 1 is automatically updated to "July 26, 2023, visit to the hospital," or an alert is displayed on the display unit 23 of the terminal 2 to request the user (contractor / pet owner) to re-enter the insurance use information.

[0034] On the other hand, some policyholders may keep multiple pets and have insurance contracts for each pet. Therefore, in the digital insurance card system of this embodiment, the insurance contract information stored in the server 1 may be linked to each policyholder, so that information on other insured pets (pets) can be easily input and viewed. Figure 7 shows an example of the display when changing to information on another pet when multiple pets are kept.

[0035] For example, as shown in Figure 7, an icon with text such as "View other animal information" is provided on the screen displaying insurance information, and selecting this icon moves to a screen for selecting the individual (pet) to display. This allows users to view and register the number of times insurance has been used consecutively, even if they have multiple insurance contracts for different pets, without having to log in each time.

[0036] Furthermore, the digital health insurance card system of this embodiment can also make it possible to view past contract details and insurance usage history. Fig. 8 is a diagram showing a display example when viewing past contract details. In that case, for example, as shown in Fig. 8, it is possible to select a past insurance period on the terminal 2, read information on the selected period from the server 1, and display it on the display unit.

[0037] [program] Each of the above-mentioned operations can be implemented by creating a computer program for implementing each function in the terminal 2 (2a to 2d) and installing it in the terminal 2 (2a to 2d). Specifically, the following functions can be implemented by a program that causes a computer to execute: a function to acquire contract information from the server 1; a function to display the acquired contract information on the display unit; a function to count the number of uses for each item from the input "insurance use item" and "insurance use date"; and a function to display the counting result together with the contract information.

[0038] In the digital health insurance card system of this embodiment, the insurance usage information may be input, for example, after the contract holder or the pet owner (insured person) claims insurance money or settles the bill at the veterinary clinic. In addition, the digital health insurance card system of this embodiment can also be used as an insurance card when receiving medical treatment or treatment at a veterinary clinic by the user (contract holder / pet owner) himself / herself operating the terminal 2 (2a to 2d) to display the contract information.

[0039] As described above in detail, in the digital health insurance card system of this embodiment, when a policyholder or other person inputs insurance usage information, the number of uses is counted on the spot and displayed on the terminal, making it possible to check the number of times insurance has been used for each individual without any time lag.

[0040] (Modification) Next, a digital health insurance card system according to a modified example of the first embodiment of this embodiment will be described. In the digital health insurance card system of the first embodiment described above, the number of times insurance is used is counted by an insurance usage information processing unit (insurance usage information processing program installed in the terminal) provided in the terminal, but the present invention is not limited to this, and all processing may be performed by the server 1, and the terminal 2 may only display and input insurance usage information.

[0041] [System Configuration] Fig. 9 is a diagram showing a specific configuration of the digital health insurance card system of this modified example and an example of its operation. In Fig. 9, the same components as those in the digital health insurance card system shown in Fig. 2 are given the same reference numerals, and detailed explanations thereof will be omitted. As shown in Fig. 9, in the digital health insurance card system of this modified example, server 10 is provided with insurance usage information processing unit 13, and terminal 20 is provided with only insurance usage information input unit 21 and display unit 23.

[0042] [Operation] In the digital insurance card system of this modified example, information on "insurance usage items" and "insurance usage dates" inputted at terminal 20 is sent to server 10 via the Internet 3, and the insurance usage information processing unit 13 calculates the number of times insurance is used based on the insurance contract information stored in contract information storage unit 11. The processing results of insurance usage information processing unit 13 are sent to terminal 20 via the Internet 3 and displayed on display unit 23. In the digital insurance card system of this modified example, the insurance contract information stored in contract information storage unit 11 may also be updated using the insurance usage information inputted to insurance usage information processing unit 13.

[0043] The digital health insurance card system of this modification also allows policyholders and others to register the number of times the insurance has been used, making it possible to check the number of times the insurance has been used in real time. The digital health insurance card system of this modification can also be used easily, as it does not require the installation of an application on the user's (policyholder / owner's) terminal. The configuration and effects of this modification other than those described above are the same as those of the first embodiment described above.

[0044] In addition, in the above-mentioned first embodiment and its modified example, the explanation was given using pet insurance as an example, but the present invention is not limited to this, and can be applied to any insurance in which the number of uses or the number of claims is fixed, and the same effect can be obtained. In addition, if the amount is managed instead of the number of times, the present invention can also be applied to insurance in which there is an upper limit on the amount of claims.

[0045] Second embodiment Next, a digital insurance card device according to a second embodiment of this embodiment will be described. In the first embodiment and its modified examples described above, the terminals 2, 20 and the servers 1, 10 are connected via the Internet to transmit and receive (input and output) contract information and insurance usage information, but the present invention is not limited to this. The number of times insurance has been used may be known only by the terminal operated by the user (policyholder / owner) without connecting to the server via the Internet.

[0046] [Device configuration] Fig. 10 is a diagram showing a specific configuration of the digital insurance card device of this embodiment and an example of its operation. In Fig. 10, the same components as those in the digital insurance card system shown in Figs. 2 and 9 are given the same reference numerals, and detailed description thereof will be omitted. As shown in Fig. 10, the digital insurance card device 4 of this embodiment is provided with an insurance information input unit 41 for inputting insurance contract information and insurance usage information, an insurance information storage unit 40 for storing the input insurance contract information, an insurance usage information processing unit 22 for calculating the number of insurance usages based on the insurance contract information stored in the insurance information storage unit 40 and the insurance usage information input in the insurance information input unit 41, and a display unit 23 for displaying the number of insurance usages, etc.

[0047] The digital insurance card device 4 of the present embodiment may be configured so that insurance payment information can be input from the insurance information input unit 41. In this case, the display unit 23 can display the insurance payment status together with the number of times the insurance has been used.

[0048] The digital insurance card device 4 of this embodiment includes an insurance information storage unit 40 that stores only information on the insurance to which the user (policyholder / owner) has signed up, and the user himself / herself inputs and updates insurance contract information such as the name of the insured individual (pet), policy number, insurance period, number of possible hospital visits, number of possible hospitalizations, and number of possible surgeries, in addition to insurance use information such as the name of the insured item and the date of insurance use, and also inputs insurance payment information as necessary. The digital insurance card device 4 of this embodiment may also have a function of connecting to the server 1 periodically or as necessary, and updating the insurance contract information stored in the insurance information storage unit 40 based on the latest contract information stored in the contract information storage unit 11.

[0049] [Operation] Next, the operation of the digital insurance card device 4 of this embodiment, that is, a method by which a user (policyholder / pet owner) knows the number of times the insurance has been used, using the digital insurance card device 4 shown in Fig. 10, will be described. In the digital insurance card device 4 of this embodiment, the user (policyholder / pet owner) operates the insurance information input unit 41 in advance to input insurance contract information such as the insured individual's (pet's) name, policy number, insurance period, number of possible hospital visits, number of possible hospitalizations, and number of possible surgeries. The insurance contract information inputted in the insurance information input unit 41 is stored in the insurance information storage unit 40.

[0050] When registering the use of insurance, for example, a digital insurance card program implemented in the digital insurance card device 4 is operated to display information required for inputting insurance use information on the display unit 23. Specifically, the insurance contract information stored in the insurance information storage unit 40 is output to the insurance use information processing unit 22, and information required for input is selected from the information and displayed on the display unit 23.

[0051] When the user (policyholder / owner) operates the insurance information input unit 41 to input insurance usage information such as insurance usage items and insurance usage dates, the insurance usage information processing unit 22 calculates the number of times the insurance is used within the insurance period based on the insurance usage information and the insurance contract information, and the result is displayed on the display unit 23. The processing result of the insurance usage information processing unit 22 is stored in the insurance information storage unit 40 together with the insurance usage information, and is used for future processing, etc.

[0052] Furthermore, in the digital insurance card device 4 of this embodiment, the user (policyholder / pet owner) may input insurance payment information by operating the insurance information input unit 41. This allows the display unit 23 to display insurance payment information together with the number of times the insurance has been used.

[0053] As in the first embodiment described above, the digital insurance card device 4 of this embodiment may display an error on the display unit 23 when the insurance usage information entered by the user (policyholder / owner) is inappropriate. Examples of inappropriate input include when the insurance cannot be used because the insurance is outside the insurance period, when a date that has already been registered is entered (attempting to register twice), and when attempting to register more than the prescribed number of times.

[0054] Furthermore, when the digital insurance card device 4 of this embodiment is connected to the server 1 and updates the insurance contract information stored in the insurance information storage unit 40, if the insurance contract information stored in the server 1 differs from the insurance contract information entered by the user (policyholder / owner), the digital insurance card device 4 may automatically update the insurance contract information to the correct insurance contract information based on the information stored in the server 1, or may request the user (policyholder / owner) to re-enter the insurance contract information. Note that if insurance usage information or insurance payment information is stored in the server 1, this information may be updated or corrected based on that information.

[0055] [program] Each of the above-mentioned operations can be implemented by a program that causes the digital insurance card device to execute an insurance usage information processing function that calculates the number of times insurance is used within the insurance period based on the insurance contract information entered by the user (policyholder / pet owner) and the insurance usage information entered by the user (policyholder / pet owner). This program may have a function of storing the insurance contract information entered by the user (policyholder / pet owner) in the insurance information storage unit, an insurance usage information processing function that calculates the number of times insurance is used based on the insurance contract information stored in the insurance information storage unit and the insurance usage information entered by the user (policyholder / pet owner), and a display function that displays the calculated number of times insurance is used on the display unit.

[0056] As described above in detail, in the digital insurance card device of this embodiment, the policyholder inputs the insurance contract information, insurance usage information, and insurance payment information himself / herself, and the input information is stored in the device, so that the latest number of times insurance has been used can be confirmed even in a state in which an Internet connection is not possible. The configuration and effects of the digital insurance card device of this embodiment other than those described above are the same as those of the first embodiment described above.

[0057] The present invention can also have the following configuration. [1] A server in which insurance contract information is stored; a user terminal that can be connected to the server via a network; having The server or the user terminal is provided with an insurance usage information processing unit that calculates the number of times insurance is used within an insurance period based on insurance usage information input by a user, A digital health insurance card system in which the information on the number of times insurance is used calculated by the insurance usage information processing unit is displayed on the display unit of the user terminal. [2] The insurance usage information is the name of the compensation subject item and the date of insurance usage, The digital insurance card system described in [1], in which the number of times the insurance has been used is displayed separately for each item of coverage. [3] The digital insurance card system of [1] or [2], wherein the insurance usage information processing unit displays an error on the user terminal if the insurance usage information entered by the user is inappropriate. [4] The digital insurance card system described in [3], wherein the insurance usage information processing unit compares the insurance contract information of the user obtained from the server and determines that the insurance usage information is inappropriate if a date during which the insurance cannot be used is entered, if a date that has already been registered is entered, or if insurance usage information exceeding the number of times it can be used is entered. [5] A digital health insurance card system according to any one of [1] to [4], wherein the display unit of the user terminal displays the insurance payment status in addition to the number of times the insurance has been used. [6] A digital insurance card system described in any of [1] to [5], which automatically updates the insurance usage information entered by the user to correct insurance usage information based on the latest insurance contract information stored in the server, or asks the user to re-enter the insurance usage information. [7] The insurance usage information processing unit is provided in the user terminal, A digital insurance card system described in any of [1] to [6], wherein the server is provided with a usage information memory unit which stores the insurance usage information input to the insurance usage information processing unit and the number of times insurance is used calculated by the insurance usage information processing unit. [8] an insurance information input unit for a user to input insurance contract information and insurance usage information; an insurance information storage unit that stores the insurance contract information; an insurance usage information processing unit that calculates the number of times insurance is used based on the insurance contract information stored in the insurance information storage unit and the insurance usage information inputted to the insurance information input unit; a display unit that displays the insurance usage count calculated by the insurance usage information processing unit; A digital insurance card device having the above configuration. [9] Insurance payment information can also be input from the insurance information input unit, The digital insurance card device according to claim 8, wherein the display unit displays the insurance payment status in addition to the number of times the insurance has been used.

[10] The digital insurance card device of [8] or [9], wherein the insurance usage information processing unit displays an error on the display unit if the insurance usage information entered by the user is inappropriate.

[11] A digital health insurance card system comprising a digital health insurance card device according to any one of [8] to

[10] .

[12] The insurance company further includes a server in which the latest insurance contract information is stored, The digital insurance card system described in

[11] , wherein the digital insurance card device connects to the server periodically or as needed and updates the insurance contract information stored in the insurance information storage unit.

[13] A program that causes a computer to execute an insurance usage information processing function that calculates the number of times insurance is used within an insurance period based on insurance contract information obtained from a server connected via a network or entered by a user, and insurance usage information entered by the user.

[14] The insurance usage information is the name of the compensation subject item and the date of insurance usage, The program described in

[13] further has a function of outputting the number of times the insurance has been used separately for each item of compensation.

[15] The program according to claim 13 or 14, wherein the insurance usage information processing function outputs error information if the insurance usage information entered by the user is inappropriate.

[16] The program described in

[15] , wherein the insurance usage information processing function compares with the insurance contract information and determines that the insurance usage information is inappropriate if a date during which the insurance cannot be used is entered, if a date that has already been registered is entered, or if insurance usage information is entered that exceeds the number of times the insurance can be used. [Explanation of symbols]

[0058] 1,10 Server 2,2a~2d,20 Terminal 3. Internet 4. Digital insurance card device 11 Contract information storage unit 12 Usage information storage section 13,22 Insurance Use Information Processing Unit 21 Insurance usage information input section 23 Display section 40 Insurance information storage unit 41 Insurance information input section

Claims

1. A server in which insurance contract information is stored; a user terminal that can be connected to the server via a network; having The server or the user terminal is provided with an insurance usage information processing unit that calculates the number of times insurance is used within an insurance period based on insurance usage information input by a user, A digital health insurance card system in which the information on the number of times insurance is used calculated by the insurance usage information processing unit is displayed on the display unit of the user terminal.

2. The insurance usage information is the name of the compensation subject item and the date of insurance usage, The digital health insurance card system according to claim 1 , wherein the number of times the insurance is used is displayed for each item covered by the insurance.

3. The digital health insurance card system according to claim 1 , wherein the insurance usage information processing unit displays an error on the user terminal if the insurance usage information entered by the user is inappropriate.

4. The digital insurance card system of claim 3, wherein the insurance usage information processing unit compares the insurance contract information of the user obtained from the server and determines that the insurance usage information is inappropriate if a date during which the insurance cannot be used is entered, if a date that has already been registered is entered, or if insurance usage information exceeding the number of times it can be used is entered.

5. The digital health insurance card system according to claim 1 , wherein the display unit of the user terminal displays the insurance payment status in addition to the number of times the insurance has been used.

6. The digital insurance card system of claim 1, wherein the insurance usage information entered by the user is automatically updated to correct insurance usage information based on the latest insurance contract information stored in the server, or the user is asked to re-enter the insurance usage information.

7. The insurance usage information processing unit is provided in the user terminal, The digital insurance card system of claim 1, wherein the server is provided with a usage information memory unit that stores the insurance usage information input to the insurance usage information processing unit and the number of times insurance is used calculated by the insurance usage information processing unit.

8. an insurance information input unit for a user to input insurance contract information and insurance usage information; an insurance information storage unit that stores the insurance contract information; an insurance usage information processing unit that calculates the number of times insurance is used based on the insurance contract information stored in the insurance information storage unit and the insurance usage information inputted to the insurance information input unit; a display unit that displays the insurance usage count calculated by the insurance usage information processing unit; A digital insurance card device having the above configuration.

9. Insurance payment information can also be input from the insurance information input unit, The digital health insurance card device according to claim 8 , wherein the display unit also displays the insurance payment status in addition to the number of times the insurance has been used.

10. The digital insurance card device according to claim 8 , wherein the insurance usage information processing unit displays an error on the display unit when the insurance usage information input by the user is inappropriate.

11. A digital health insurance card system comprising the digital health insurance card device according to claim 8.

12. The insurance company further includes a server in which the latest insurance contract information is stored, The digital insurance card system according to claim 11 , wherein the digital insurance card device connects to the server periodically or as needed to update the insurance contract information stored in the insurance information storage unit.

13. A program that causes a computer to execute an insurance usage information processing function that calculates the number of times insurance is used within an insurance period based on insurance contract information obtained from a server connected via a network or entered by a user, and insurance usage information entered by the user.

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